BANK  BOOK. 

Bushwick  Savings  Bank, 
i  22316 


726  GRAND  STREET, 

South-East  Corner  of  Qraham  Avenue, 

Borough  of  Brooklyn,  New  York  City. 

ESTABLISHED,  1873. 

Keep  this  Book  Clean;  do  not  fold  or  roll  it  up;  and  if  you  lose  it,  give 
immediate  notice  to  the  Officers  at  the  Bank. 


MM  l 


EXTRACTS  FROM  THE  BY-LAWS 

OF  THE 

BUSHWICK  SAVINGS  BANK. 


The  Bank  shall  be  open  for  business  daily,  except  Sundays  and  all 
Legal  Holidays,  or  any  day  designated  by  the  President  of  the  United 
States  or  Governor  of  this  State  as  a  day  of  Fasting  or  Thanksgiving, 
during  such  hours  as  may  from  time  to  time  be  fixed  by  the  Trustees. 

Deposits  of  one  dollar  and  upward,  not  exceeding  the  sum  of  three 
thousand  dollars,  except  in  cases  of  Societies,  Corporations,  or  by 
order  of  a  Court  of  Record,  may  be  received;  and  each  depositor  on 
making  his  or  her  first  deposit,  shall  be  required  to  subscribe  his  or 
her  assent  and  agreement  to  be  governed  by  the  By-Laws  and  Regula- 
tions of  the  Institution,  and  shall  give  his  or  her  age,  place  of  nativity, 
residence,  occupation  and  such  other  information  as  may  be  required. 

Minors  shall  have  the  right  to  deposit  and  draw  money  in  their 
own  name,  and  their  receipt  shall  be  valid,  and  a  sufficient  discharge 
to  the  Bank. 

All  deposits  shall  be  regularly  entered  in  the  books  of  the  Bank, 
and  also  in  the  book  furnished  the  depositor,  which  shall  be  kept  by 
him  or  her  as  a  voucher  for  his  or  her  deposit. 

All  deposits  must  be  made  in  current  funds,  and  all  payments  shall 
be  made  in  the  same  manner. 

The  Trustees  shall  be  at  liberty  to  return,  in  whole  or  in  part,  the 
amount  to  the  credit  of  any  depositor  whenever  they  may  think  proper. 

The  Bank  will  use  its  best  efforts  to  prevent  frauds;  but  all  pay- 
ments made  to  persons  producing  the  deposit  books  shall  be  deemed 
good  and  valid  payments  to  depositors  respectively. 

All  accounts  to  which  no  deposit  or  draft  shall  have  been  made 
for  twenty-two  years  (exclusive  of  interest  credits,)  and  the  pass  books 


AWE  F 

ours 


of  which  for  a  like  period  have  not  been  presented  for  the  crediting  of 
interest,  shall  cease  to  be  entitled  to  any  further  dividends. 

All  notices  in  relation  to  deposits  or  depositors,  published  by  or 
under  the  direction  of  the  Trustees,  in  one  or  more  of  the  public  news- 
papers of  the  Borough  of  Brooklyn,  New  York  City,  six  days  success- 
ively, shall  be  deemed  and  taken  as  actual  notice  to  each  depositor, 

Drafts  may  be  made  personally  or  by  the  order,  in  writing,  of  the 
depositor  or  (if  the  Bank  have  the  signatyre  of  the  party  on  their 
signature  book,)  by  letters  of  attorney,  duly  authenticated;  but  no  per- 
son shall  have  the  right  to  demand  any  part  of  his  or  her  principal  or 
interest,  without  producing  his  or  her  bank  book,  that  such  payment 
may  be  entered  therein.  The  Bank  shall  not  be  liable  to  pay  any 
moneys  to  depositors  except  on  three  months'  previous  notice  in 
writing  to  the  Cashier  at  the  Bank;  but  moneys  may  be  voluntarily  paid 
by  the  Bank  daily,  and  without  such  notice,  and  without  thereby 
waiving  the  right  of  the  Bank  to  such  notice  and  time  of  payment.  No 
draft  shall  be  made,  without  the  permission  of  the  Cashier,  for  less 
than  one  dollar,  nor  for  fractional  parts  of  a  dollar,  unless  it  be  for  the 
whole  amount  remaining  on  deposit  or  for  interest  only. 

On  the  third  Monday  of  January  and  July  of  every  year,  there 
shall  be  paid  such  interest  as  by  decision  of  the  Trustees  the  profits  of 
the  Institution  will  allow,  on  all  sums  of  three  dollars  and  upward, 
which  shall  have  been  deposited  for  three  months  previous  to  the  first 
day  of  January  or  July,  but  no  interest  shall  be  paid  on  the  fractional 
part  of  a  doilar,  nor  shall  any  interest  be  allowed  on  any  ium  with- 
drawn previous  to  the  first  day  of  January  or  July,  for  the  period  which 
may  have  elapsed  since  the  last  dividend.  The  interest  entered  to  the 
credit  of  depositors  on  the  first  day  of  January  or  July  shall  be  added 
to  the  principal  from  those  dates  respectively,  the  same  as  an  original 
deposit. 

In  case  of  the  loss  or  destruction  of  a  pass  book,  a  new  book  can 
only  be  issued  after  the  public  has  been  notified  by  an  advertisement 
published  for  three  days  consecutively  in  such  daily  newspaper  as  the 
President  may  direct,  calling  upon  any  person  having  a  claim  to  the 
missing  book  to  present  the  same  to  the  Bank.  Before  publishing  such 
notice,  the  depositor  or  his  or  her  legal  representative  shall  file  with 
the  Bank  a  satisfactory  affidavit,  showing  the  loss  or  destruction  of  the 
book  and  if  required,  to  furnish  satisfactory  Bond  or  Bonds  of  In- 
demnity equal  in  amount  with  the  sum  to  the  credit  of  such  Bank 
Book. 


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INFORHATION  FOR  DEPOSITORS. 


Savings  Banks  in  the  State  of  New  York  are  established  to 
encourage  the  thrifty  and  saving  habits  of  the  people.  They  have 
no  stock,  but  are  owned  entirely  by  the  Depositors.  The  earnings  of 
each  six  months  over  and  above  the  necessary  expenses  of  the  Bank 
are  divided  to  each  Depositor  in  proportion  to  the  amount  of  the 
deposit,  after  reserving  a  proper  sum  for  Surplus,  to  insure  the  safety 
of  all  deposits  in  case  of  loss,  or  depreciation  of  securities  in  time  of 
panic.  The  Surplus  so  reserved  belongs  to  the  Depositors,  and  in 
case  of  the  Bank  going  out  of  business  it  would  be  divided  pro  rata  to 
each  Depositor  according  to  the  amount  of  his  deposit.  The  man- 
agement of  the  Bank  is  by  Twenty-three  Trustees,  who  receive  no 
compensation  for  their  attendance  at  the  meetings  or  other  duties, 
except  as  an  officer  in  actual,  daily  attendance  at  the  Bank;  or  as 
one  of  a  committee  to  examine  the  affairs  of  the  Bank;  or  of  a  com- 
mittee to  appraise  property  for  the  investing  of  the  funds  of  the  Bank, 
in  which  case  they  are  paid  for  the  specific  service  only. 

All  accounts  are  strictly  confidential.  They  may  be  in  the  name 
of  one  person.  In  the  name  of  two  persons,  so  that  either  may  draw 
money;  or  if  desired,  so  that  both  signatures  may  be  required  to  draw 
money.  In  the  name  of  a  person,  "in  trust"  for  one  or  more  persons, 
so  that  in  the  event  of  death  the  money  will  be  paid  to  the  person  or 
persons  so  designated. 

Checks  will  be  received  on  deposit  if  drawn  directly  to  the  Bank 
or  to  the  Depositor,  but  no  money  can  be  withdrawn  against  the  same 
for  two  weeks. 

To  draw  money,  always  write  your  name  exactly  as  you  wrote  it 
in  the  books  of  the  Bank. 

Interest  due  will  be  credited  in  the  Depositor's  book  when 
requested,  except  during  the  first  two  weeks  in  January  and  July. 

No  interest  paid  on  the  amount  of  any  account  over  $3,000. 

Always  have  interest  entered  in  the  Pass-book  at  least  once  a  year, 


Bushwick  Savings  Bank, 

726  GRAND  ST.,  S.  E.  Cor.  Graham  Ave., 

Borough  of  Brooklyn,  N.  Y.  City. 


TRUSTEES. 

Joseph  Liebmann,  Henry  Schade, 

John  G.  Jenkins,  John  H.  Scheldt, 

Rufus  L.  Scott,  Frank  Jenkins, 

E.  E.  Bunce,  Wm.  A.  Wells, 

Moses  May,  Geo.  W.  Schaedle, 

C.  D.  Burrows,  Jr.  Wm.  S.  Wandel, 

Daniel  Canty,  A.  P.  Avery, 

John  Davies,  Jere  E.  Brown, 

Edward  Bush,  William  G.  Miller, 

Ansel  L.  Freeman,  Mortimer  L.  Reynolds, 

Joseph  C.  Cabbie,  Fred'k  H.  Narwood, 

Louis  G.  Burger. 


OFFICERS. 

John*  Davies,  President. 
Moses  May,  1st  Vice-President. 
Joseph  C.  Cabble,  2nd  Vice-President. 
C.  D.  Burrows,  Jr.,  Secretary. 
Jere  E.  Brown,  Cashier. 
Rufus  L.  Scott.  Counsel. 


Open  Daily,  from  10  A.  M.  to  3  P.  M.  (Sundays 
and  Holidays  excepted),  and  on  Monday 
Evenings,  from  4  to  7  o'clock. 

Close  on  Saturdays  at  12  o'clock  noon. 


